RBL Bank RuPay Credit Cards

RBL Bank, formerly known as Ratnakar Bank Limited, was launched in 1943 and is a commercial bank based in India. It offers a wide range of banking services to individuals, businesses, and corporations, including savings accounts, current accounts, loans, and credit cards. RBL Bank is known for its customer-centric approach and innovative financial solutions.

RuPay credit cards are a type of payment card issued by banks in India. They are similar to Visa and Mastercard but are designed specifically for domestic use. RuPay cards are accepted at ATMs, point of sale (POS) terminals, and online merchants across India. RBL Bank has recently launched RuPay credit cards for its users that can be easily linked with UPI apps like BHIM, Google Pay, Paytm, etc. Continue reading to learn more about these cards and how advantageous they are for RBL cardholders.

Table of Contents

List of RBL Bank RuPay Credit Cards

RBL Bank ShopRite Credit Card

4.6/5★★★★★

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• Joining FeeLifetime Free
• Annual FeeLifetime Free
• Best Suited ForShopping
• Rewards TypeReward Points

Rewards Rate

1 Reward Point for every Rs. 100 spent on retail spends, and 20 reward points on grocery purchases.

Welcome Benefits

2,000 Reward Points

IndianOil RBL Bank XTRA Credit Card

4.5/5★★★★★

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• Joining Fee₹1,500 + GST
• Annual Fee ₹1,500 + GST
• Best Suited ForFuel
• Rewards TypeReward Points

Rewards Rate

15 Fuel Points/₹100 Spent at Indian Oil Stations and 2 Fuel Points/₹100 on Other Eligible Spends

Welcome Benefits

3,000 Fuel Points

IRCTC RBL Bank Credit Card

4.6/5★★★★★

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• Joining Fee₹500 + GST
• Annual Fee₹500 + GST
• Best Suited ForTravel
• Rewards TypeReward Points

Rewards Rate

5 RPs/₹200 Spent on Train Bookings and 2 RPs/₹200 Spent on Hotel/Flights/Cruise Bookings (All Bookings to be Made With IRCTC). 1 RP/₹200 Spent on Other Eligible Purchases

Welcome Benefits

500 Reward Points

IndianOil RBL Bank Credit Card

4.5/5★★★★★

Apply Now

• Joining Fee₹500 + GST
• Annual Fee₹500 + GST
• Best Suited ForFuel
• Rewards TypeReward Points

Rewards Rate

10 Fuel Points/₹100 Spent at IndianOil Fuel Stations. 1 Fuel Point/₹100 on Other Eligible Purchases

Welcome Benefits

1,000 Fuel Points

Compare Features of RBL RuPay Credit Cards

Features	RBL Bank ShopRite Credit Card	IndianOil RBL Bank XTRA Credit Card	IRCTC RBL Bank Credit Card	IndianOil RBL Bank Credit Card
Joining Fee	Nil (Lifetime Free)	₹1,500 + GST	₹500 + GST	₹500 + GST
Best Suited For	Shopping	Fuel	Travel	Fuel
Reward Rate	20 RPs/₹100 Spent on Groceries and 1 RP/₹100 Spent on Retail Spends	15 FP for every ₹100 spent at Indian Oil station 2 FP for every ₹100 spent on other eligible spends	5 RP for every ₹200 spent on train bookings 2 RP for every ₹200 spent on hotels, flights bookings 1 RP for every ₹200 spent on other eligible spends	10 FP for every ₹100 spent at Indian Oil station 1 FP for every ₹100 spent on other eligible spends
Welcome Benefits	2,000 RPs (Only for Paid Variant)	3,000 Fuel Points	500 Reward Points	1,000 Reward Points
Milestone Benefits	N/A	1000 Fuel Points on spending ₹75,000 every quarter	N/A	N/A
Travel Benefits	N/A	N/A	Complimentary Railway Lounge Access Twice every Quarter	N/A

Information About RBL RuPay Credit Cards

RBL Bank ShopRite Credit Card

The RBL Bank ShopRite Credit Card is a lifetime free card designed for those who frequently shop for groceries and enjoy movies. Cardholders earn 20 reward points per ₹100 spent on groceries (capped at 1,000 points/month) and 1 reward point per ₹100 on other retail spends, with a redemption value of 1 RP = ₹0.25. Additionally, the card provides a 10% discount (up to ₹100) on BookMyShow movie tickets up to 15 times a year and a 1% fuel surcharge waiver (up to ₹100 per month).

With zero annual or renewal fees, this card is an excellent choice for budget-conscious shoppers looking to maximize savings.

IndianOil RBL Bank XTRA Credit Card

The IndianOil RBL Bank XTRA Credit Card is a fuel-focused credit card designed to provide rewards and benefits on fuel purchases made at Indian Oil stations. With a joining fee of ₹1,500 for the first year, cardholders receive Fuel Points worth the 1,500 as a welcome benefit. Cardholders can earn 2,000 Fuel Points in a month, with 1 Fuel Point being equivalent to ₹0.50, resulting in monthly savings of up to ₹1,000 on fuel purchases. The card also offers a fuel surcharge waiver and an annual fee waiver on spends of ₹2.75 lakh. While it may not offer extensive benefits such as lounge access, entertainment, or dining perks, the IndianOil RBL Bank XTRA Credit Card stands out for its high return on fuel purchases, making it a good choice for people looking to save on fuel expenses.

IRCTC RBL Bank Credit Card

Indian Oil and IRCTC have collaborated to launch a co-branded card, the IRCTC RBL Bank Credit Card, especially for traveling purposes. With a low joining fee of ₹500, this RuPay credit card offers easy UPI payments. It is equipped with a National Common Mobility Card (NCMC), allowing for easy tap-and-pay transactions at metro stations and bus terminals. Cardholders can earn 5 Reward Points for every ₹200 spent on train bookings with IRCTC and 2 Reward Points for every ₹200 spent on flight, cruise, and hotel bookings with IRCTC. Other benefits include complimentary railway lounge access, insurance cover for train cancellations, and a waiver of 1% transaction charges on IRCTC train ticket bookings. This credit card is most suitable for people who frequently travel and book through IRCTC.

IndianOil RBL Bank Credit Card

The IndianOil RBL Bank Credit Card is designed for frequent users of IndianOil fuel stations. With a low joining fee of ₹500, this credit card offers reward points on fuel purchases, along with welcome benefits. Cardholders earn 10 Fuel Points for every ₹100 spent on fuel purchases at IndianOil outlets and 1 Fuel Point for every ₹100 spent on all other categories. The card also provides a fuel surcharge waiver and a spend-based waiver on spending ₹1.75 lakhs. This credit card is ideal for regular Indian Oil customers.

Benefits of Having an RBL RuPay Credit Card

Below are some of the benefits of opting for an RBL RuPay Credit Card:

Competitive Rewards

These cards offer competitive rewards, such as fuel points and reward points, on fuel and travel categories, providing value for money on regular expenses. One can easily apply for the card of their choice and earn high rewards for a variety of spends, or they can even opt for spend-specific cards like fuel or travel credit cards.

Low Fees

RBL RuPay credit cards have low joining and annual fees, making them accessible to a larger group of customers. RBL Bank even offers RuPay Credit Cards as lifetime free, such as the ShopRite Credit Card.

Wide Acceptance

RBL RuPay credit cards are widely accepted at merchant outlets, online stores, and for various utility bill payments, making them favorable for everyday use.

Travel Benefits

Some RBL RuPay credit cards offer travel benefits such as complimentary railway lounge access, insurance cover, and fuel surcharge waivers, making them suitable for frequent travelers.

Eligibility Criteria of RBL RuPay Credit Cards

The eligibility criteria for the RBL RuPay Credit Card are as follows:

• The minimum age requirement is 18 years.
• The applicant must have a good credit score.
• Proof of identity, address, and income are required for the application.
• Income criteria may apply to different RBL RuPay credit cards.

How to Apply for RBL RuPay Credit Cards?

You can easily apply for an RBL Bank RuPay Credit Card. Just follow these steps-

• Click on Apply Now
• Fill in your details and submit the required documents.
• Your application for a new credit card will be submitted.

Bottom Line

RBL Bank’s RuPay credit cards offer impressive reward points and low fees, making them accessible to ordinary people. With benefits such as fuel points and reward points, these cards provide great value for money on fuel and travel expenses. Whether you’re looking to save on fuel expenses, earn rewards on travel bookings, or enjoy the benefits of a co-branded card, RBL Bank’s RuPay credit cards have something to offer for different spending needs. If you frequently fill petrol from Indian Oil fuel stations or are a regular traveler, these credit cards could be the best choice for your expenses.